Investment Philosophy

In a proportionate and appropriate way our aim is to understand the products that are available to our clients and in doing so identify who is likely to be suitable and unsuitable for them. We review products regularly to ensure they remain suitable and offer our Ongoing Service clients a suitability assessment at least once a year. PRODUCT GOVERNANCE INDEPENDENT FINANCIAL ADVISERS When appropriate and suitable, we appreciate there is a place for a more active approach and as a result, we will consider the services of a Discretionary Fund Manager. For this a typical client is likely to be one or a combination of: • High net worth • Sophisticated • Already have assets with a DFM • Rationally expressing a knowledge of and preference for DFM • Have specific circumstances that suggest a DFM is appropriate Given the makeup of our clients and the inherent additional cost, it is likely our recommendation will be to use a PlatformManaged Portfolio Service. As such the DFM does not have direct contact with our client and we solely manage the relationship. On occasion we may recommend the use of the more bespoke Wealth Management Service, where our client will deal directly with the DFM. It is very likely that this will only be available to high net worth and sophisticated clients. DISCRETIONARY FUNDMANAGEMENT